446 Laurel Oak Dr, Madison, MS 39110 Property Records

Madison County property record for 446 Laurel Oak Dr, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,834 sqft · built 1986
Lot Size	0.385 acres (16,771 sqft)
Owner	2 Individual Names on Record
Last Sale	$87,115 (Oct 2025)
Tax Bill	$944 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072C-08A-047/81`

Property Details

APN / Parcel Number

Primary APN	`072C-08A-047/81`
Alternative APNs	`072C-08A-047/81.00` `9080`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,834 sqft Adjusted Area
Gross Area	1,475 sqft
1st Floor Area	1,475 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,771 sqft (0.385 acres)
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	9080
Street Address	446 LAUREL OAK DR
City	MADISON
State	MS
Zip	39110-9362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 142 POST OAK PLACE PART III-B C@82
Legal Range	02E
Legal Township	07N
Legal Section	08
Legal Subdivision	POST OAK PLACE 3B
Legal Lot Number	142
Jurisdiction	MADISON MS
Township / Civil Division	2
Census Block Group	1
Census Block	1002
Census Tract	30203

Owner

Source: Madison County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	446 LAUREL OAK DR, MADISON, MS 39110-9362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Sep 22, 2014 · Amount on Record
Deed Document Number	20251036613
Deed Book / Page	4606 / 255
Prior Transfer Date	Oct 2, 2025
Prior Transfer Doc	004606/255
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON MS
Recording Date	Oct 10, 2025
Property Address	446 LAUREL OAK DR, MADISON, MS 39110-9362
Document Number	004606/255
Book / Page	4606 / 255
Map Reference	CAB B SL 80
Instrument Date	Oct 2, 2025
Instrument	1036613
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	446 LAUREL OAK DR, MADISON, MS 39110-9362

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	446 LAUREL OAK DR, MADISON, MS 39110-9362

Mortgage

Document Number	0001036614
Date	Oct 10, 2025
Instrument	1036614

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Municipality	Madison City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$944.00 Homeowner's exemption	$10,678 (-)	$106,780 (-) Land $30,000 Building $76,780
2024	$944.00
2023	$944.00 Homeowner's exemption	$10,678	$106,780 Land $30,000 Building $76,780

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Apr 2017 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEAR CREEK W/A-WEST public/private · serves 26,677 people · EPA ID MS0450021
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
NETSPEEDMS Fixed Wireless	335 / 192
T-Mobile Fixed Wireless	100 / 20